Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah
Ningtyas, Jilma Dewi Ayu
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Stages of Financial Literacy among Women Entrepreneurs in Batang and Pekalongan Ningtyas, Jilma Dewi Ayu; Olivya, Anggiya Misti
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 8 No 1 (2025): Artikel Riset Januari 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v8i1.1812

Abstract

This research aims to examine the financial literacy and financial management of women entrepreneurs who are members of the Indonesian Women Entrepreneurs Association (IWAPI) in Batang and Pekalongan Regencies. Using a qualitative approach, this research analyzes aspects of financial knowledge, behaviour and skills, as well as motivation and self-confidence in running a business. The research results show that financial literacy has a vital role in supporting the sustainability of women entrepreneurs' businesses. Financial literacy and good financial management are very necessary for business continuity. Even though their level of financial literacy is considered adequate, there are areas that still require improvement, especially in the use of digital technology for financial management. More structured financial management will help women entrepreneurs optimize income and maintain the sustainability of their businesses. Further research is recommended to expand the subject of study not only to IWAPI members but also to women entrepreneurs in other organizations to gain broader insight into the challenges and needs in managing women's business finances in Indonesia.
DETERMINING BPKH FINANCIAL PERFORMANCE: A FINANCIAL RATIO AND VALUE FOR MONEY APPROACH Sholihah, Ria Anisatus; Ningtyas, Jilma Dewi Ayu; Fadzila, Adinda Umul
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.14069

Abstract

This study examines the financial performance of the Indonesian Hajj Financial Management Agency (BPKH) from 2018 to 2023. The objective is to analyze BPKH's financial health and accountability through key performance indicators. The research employs a descriptive quantitative method, utilizing secondary data from BPKH’s official annual financial reports. Financial ratios analyzed include liquidity, solvency (Debt to Asset Ratio), investment (Investment to Fund Ratio and Return on Investment), and efficiency (Cost to Income Ratio). The results indicate that BPKH has successfully optimized hajj funds, evidenced by a significant increase in the Investment to Fund Ratio (RID) from 41.46% to 75.03%. While the Return on Investment (ROI) remains positive, the study identifies critical challenges, including a consistent decline in the Mandatory Liquidity ratio and a rising Cost-to-Income Ratio (CIR), which reached 3.32% in 2023. Furthermore, the Debt-to-Asset Ratio (DAR) remains above 100%, indicating that liabilities exceed assets. In conclusion, while overall performance is positive, BPKH must evaluate its asset-liability structure to ensure liquidity and implement stricter operational cost controls to maintain long-term sustainability and maintain the trust of pilgrims.
Co-Authors Fadzila, Adinda Umul Olivya, Anggiya Misti